With Selic at 9.25%, how much does it cost to invest R$1,000 in savings, treasury or fund

The Copom (Monetary Policy Committee) decided this Wednesday (8) to increase the Selic, the basic interest rate, to 9.25%. With the rise, the yields of the main fixed income investments change, in addition to altering the savings rule.

When the Selic is up to 8.5%, savings yield 70% of the interest rate plus the Referential Rate. In the current context, with the base rate above 8.5%, the yield is 0.5%, plus the TR. It is worth noting that the TR is currently zeroed.

Survey made by Michael Viriato, strategist at Casa do Investidor, at the request of CNN Brasil Business, shows the earnings for an investment of R$1,000 in savings accounts, in Tesouro Direto, in CDBs and in DI funds, which are funds with a predetermined yield that accompany the CDI.

The CDI (Certificate of Interbank Deposit) is a security issued in transactions carried out between banking institutions.

Among the main investments, the average bank CDB, which yields 110% of the CDI, is the best, as it will pocket around BRL 1,039.98 in the short term, or about six months, and BRL 1,238.82, if it is for a long term, 30 months, for example.

The worst yield in the shortest period was the large bank’s CDB, which yields 90% of the CDI, generating a return of R$ 1,031.42. And, in the longer period, savings remained, with R$ 1,183.46.

In the simulations, an administration fee of 0.3% was considered for DI funds and 0% for Tesouro Direto, but this charge may vary between funds and brokers.

The Treasury Selic custody fee, charged by B3, is also currently zeroed for investments below R$ 10,000.

See the comparison: